379.0
RevenueRp B
261.1
278.4
298.3
318.1
339.5
363.7
397.5
438.7
467.6
501.3
416.6
8.11%
7.66%
67
29.77
Revenue growth%
20.01
17.24
15.31
16.50
16.97
19.31
17.57
17.96
16.06
13.68
4.45
17.57
17.11
94
6.63
NIM%
20.89
21.41
21.53
22.50
21.26
19.45
16.74
18.15
17.84
18.04
13.53
18.04
20.17
10
18.95
Effic. R.%
11.26
10.00
9.52
12.15
10.57
13.24
13.83
13.99
15.26
17.19
9.14
13.99
12.69
54
8.13
Net margin%
8.42
6.82
4.06
2.36
4.63
6.29
4.64
5.01
6.09
8.88
12.34
6.09
5.55
15
35.33
P/E ratio (avg)x
38.21
36.96
34.29
33.84
34.43
34.17
39.18
38.98
42.03
46.62
19.40
39.18
37.58
88
30.10
P/TBVx
37.11
42.14
49.79
52.75
59.42
63.40
66.60
78.14
83.78
90.20
20.25
78.14
61.41
61
22.37
P/Bx
43.48
49.12
56.38
56.03
56.14
62.37
61.14
59.21
60.49
62.24
37.61
61.14
57.79
48
390.6
NIIRp B
167.2
181.3
196.7
206.4
220.7
233.7
259.2
283.3
300.7
329.6
339.2
8.35%
7.78%
—
15.61
NII grth%
21.69
18.95
19.62
19.88
22.29
19.31
17.32
16.44
17.24
20.12
25.79
17.32
19.46
92
17.95
ROTE%
18.43
19.67
21.91
23.07
20.81
20.40
21.82
20.73
17.87
15.55
8.47
20.40
20.56
57
23.32
Return on equity%
18.79
16.76
14.40
15.12
14.74
15.27
12.73
13.42
11.14
9.95
14.75
12.73
14.57
76
9.97
Return on assets%
12.09
12.05
13.57
12.73
11.19
8.76
8.74
6.31
7.32
8.84
17.25
8.74
10.02
15
22.46
EPSRp
31.90
31.32
32.77
32.13
31.61
35.03
37.21
34.41
33.32
32.55
23.07
0.59%
(0.44%)
—
24.43
EPS growth%
1.18
2.69
2.16
2.10
4.72
1.92
1.78
2.56
2.47
0.56
5.38
1.92
2.13
70
20.44
Bookvalue per shRp
20.07
22.26
21.21
20.03
22.48
22.74
25.91
29.93
29.81
31.71
17.54
7.12%
5.08%
—
34.01
TBV/shRp
14.73
14.39
16.04
19.20
22.81
26.92
27.81
29.18
30.42
31.02
15.61
6.34%
7.91%
—
12.06
Dividend per shRp
23.17
20.92
20.59
20.11
21.20
20.94
21.12
21.18
22.67
24.46
5.18
2.90%
—
—
29.49
Div yield (avg)%
29.46
31.98
30.56
28.66
30.02
31.06
30.37
27.37
28.79
27.72
19.83
28.79
29.74
23
22.32
Payout ratio%
3.11
4.67
6.99
4.94
4.88
4.26
2.82
4.85
7.72
6.99
24.94
4.85
4.86
29
14.41
Shares (diluted)B
21.72
23.67
26.87
31.18
32.28
37.06
41.27
47.47
51.10
53.00
14.81
10.43%
9.34%
18
15.54
Buyback yield%
27.04
29.50
31.77
33.76
36.68
35.11
37.44
34.62
31.86
32.31
25.47
34.62
33.03
58
81.05
Eq/Assets%
35.77
37.51
42.25
42.95
46.78
47.91
54.05
58.80
56.16
65.33
102.68
56.16
47.35
37
136.7
AssetsRp B
1,488
1,621
1,775
2,007
2,202
2,371
2,588
2,833
3,119
3,397
354.9
9.05%
9.22%
70
43.67
LT debtRp B
76.56
82.96
86.72
79.56
78.97
75.57
83.05
74.12
81.35
87.61
160.5
2.10%
1.96%
17
Non-interest expense
7.46%
0.98×
Net interest income
65.74%
Non-interest income
34.26%